has mom and pop really got religion now? >> i think the answer to that is no. january is seasonally a very good month, as halls been with the year-end reinvestment and pension contributions, has been a very good month for mutual funds. it's better than it was in the summer and autumn and winter. just last year. and so it's not the big pop that one would think you'd get. i, for one, think that's good. you know, when mutual fund investors pile into equities, it's usually a very negative sign for the market. so something like the dow going 14,000, i can contain my enthusiasm about that. it doesn't mean very much. >> and a lot of people have pointed out some of the records that we broke this month -- or i should say january, sort of were a reminder of the last time we set those records, which not too happy days were soon to follow, jack. >> well, yeah, you're right about that. it's even more dramatic if you go beyond the dow which has its advantages, and great limits. you go to the nasdaq, and that index is around 4,700 at its high in 2000. and now it's -- you tell